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Texas Traditions Bank

Katy, TX · Cert 59304

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Texas Traditions Bank

Katy, TX · Cert 59304

State charter, non-member · FDIC · 2 branches

Q2 2026

$555.9MAssets
$299.0MLoans
$500.4MDeposits
$50.6MEquity
Loan mix
81%RE $216.6M19%C&I $49.7M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $297.7M41%Noninterest $202.7MQ2 2025Q2 2026

NIM

6.93%Q2 ’246.94%Q2 ’255.86%Q2 ’26-2%-19%

Non-interest income vs. expense

4.00%Q2 ’243.97%Q2 ’253.08%Q2 ’26-2%-22%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #49 of 107 inst. · $0.5B of $360.4B

Executive Summary

  • Earnings: ROA of 0.82%, down 2 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.39%, down 415 bps from a year ago.
  • Funding: loans stand at 59.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-98 bps YoY

Efficiency Ratio (YTD, annualized)

71.26%-344 bps YoY

Tier 1 Leverage Ratio

9.39%-415 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.85%0.89%0.80%0.82%-2 bps
Return on Equity6.06%6.45%7.34%8.71%8.92%+286 bps
Net Interest Margin5.22%4.81%4.07%4.46%4.25%-98 bps
Efficiency Ratio74.69%73.05%71.88%72.73%71.26%-344 bps
Non-Interest Burden3.87%3.48%2.90%3.22%3.00%-86 bps
Growth
Asset Growth (YoY)39.16%46.14%69.83%89.01%66.12%+2,696 bps
Loan Growth (YoY)62.53%42.01%30.24%25.06%26.67%-3,586 bps
Deposit Growth (YoY)45.61%54.47%81.89%104.06%74.02%+2,841 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.08%0.07%0.00%0.00%0 bps
Allowance / Loans0.89%0.92%0.92%0.93%0.94%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.54%12.18%10.02%9.59%9.39%-415 bps
Total Risk-Based Capital13.54%12.18%10.02%9.59%9.39%-415 bps
Equity / Assets12.56%11.68%9.35%9.02%9.11%-346 bps
Liquidity & Funding
Loans / Deposits82.07%79.15%61.88%55.23%59.74%-2,233 bps
Liquid Assets / Assets6.03%7.84%14.64%19.41%10.63%+460 bps
CRE / Total Capitaln/a419%416%394%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Texas Traditions Bank

Katy, TX · Cert 59304 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

State charter, non-member · FDIC · 2 branches

Q2 2026

$555.9MAssets
$299.0MLoans
$500.4MDeposits
$50.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 21 of 21).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.77%

Rank 16 of 21

Net Interest Margin

4.25%

Rank 8 of 21

Efficiency Ratio

71.26%

Rank 13 of 21

Equity / Assets

9.11%

Rank 15 of 21

Non-interest income vs. expense

$0.4M$17.0MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 43% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 71.26%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.77%0.77%1.16%1.46%Beats 24%16 / 21
Return on Equity8.42%6.66%8.42%15.66%Beats 48%11 / 21
Net Interest Margin4.25%3.50%3.97%4.41%Beats 62%8 / 21
Efficiency Ratio71.26%59.33%68.18%79.00%Beats 43%13 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio9.39%12.65%15.76%18.38%Beats 0%21 / 21
Total Risk-Based Capital Ratio9.39%12.65%16.68%19.63%Beats 0%21 / 21
Equity / Assets9.11%9.08%11.30%15.80%Beats 29%15 / 21
Liquidity & Funding
Loans / Deposits59.74%64.96%78.30%90.30%19th pctl17 / 21
Loans / Assets53.78%55.83%65.86%74.20%19th pctl17 / 21
Brokered Deposits / Depositsn/aNot reported for this institution